Call reports 2015
WESTSIDE STATE BANK — 2015
What WESTSIDE STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 90,337,000 | 89,882,000 | 94,906,000 | 96,001,000 |
| Total loans | 73,292,000 | 78,825,000 | 80,890,000 | 78,067,000 |
| Allowance for loan losses | 601,000 | 552,000 | 585,000 | 668,000 |
| Securities available for sale | 6,285,000 | 3,393,000 | 3,413,000 | 8,599,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,019,000 | 74,699,000 | 76,599,000 | 78,480,000 |
| Interest-bearing deposits | 60,739,000 | 61,323,000 | 63,073,000 | 63,829,000 |
| Noninterest-bearing deposits | 13,280,000 | 13,376,000 | 13,526,000 | 14,651,000 |
| Equity capital | 8,287,000 | 8,381,000 | 8,518,000 | 8,653,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 874,000 | 1,817,000 | 2,801,000 | 3,786,000 |
| Interest expense | 123,000 | 236,000 | 351,000 | 473,000 |
| Net interest income | 751,000 | 1,581,000 | 2,450,000 | 3,313,000 |
| Noninterest income | 69,000 | 151,000 | 243,000 | 361,000 |
| Noninterest expense | 582,000 | 1,203,000 | 1,905,000 | 2,582,000 |
| Provision for loan losses | 15,000 | 40,000 | 70,000 | 100,000 |
| Pretax income | 223,000 | 536,000 | 765,000 | 1,039,000 |
| Income tax | 11,000 | 27,000 | 38,000 | 37,000 |
| Net income | 212,000 | 509,000 | 727,000 | 1,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,360,000 | 7,538,000 | 7,655,000 | 7,827,000 |
| Total capital | 7,961,000 | 8,090,000 | 8,240,000 | 8,495,000 |
| Risk-weighted assets | 61,846,000 | 68,310,000 | 70,796,000 | 67,931,000 |